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Tips for card holders

Some of what we're going to describe here sounds paranoid - but hey, better safe than sorry!
One Frequently Asked Question relates to the use of a card on the internet. Be careful - make sure that the site you provide information to is reputed, make sure that the information you provide is sent on a secure channel, so as to minimize the possibility of someone getting your card information and ordering the Benz that you'd always thought about! We have written more about smart shopping on the net in our Wiz Card section on the left bar.

Report lost or stolen cards immediately

Never allow anyone else to use your card

Ensure that your card is signed on the signature panel as soon as you receive it

Never write down your PIN - memorize it

Ensure that you get your card back after every purchase

Always check sales vouchers/charge slips including purchase amount when you sign them - keep copies of sales vouchers and ATM receipts.

Never give your credit card number over the phone or on the Net, unless you are dealing with a reputable company and have initiated the call yourself

Always check your billing statement, especially after a trip. Check the amounts of your purchases with the charge slips - specifically look for transactions which are not yours.

Make a record of your credit card PIN numbers and telephone numbers for reporting lost or stolen cards. Keep that list in a safe place.

While travelling (abroad or within the country), ensure that you carry the telephone number of the card company

Know who has access to your cards. If your credit card is borrowed by a family member (spouse, child, parent), with or without your knowledge, you may be responsible for their purchase/cash withdrawal.

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When Using an ATM

After completing an ATM or Debit transaction, remember to take your card and, if provided, your transaction record

Never disclose your PIN to anyone. No one from card company, the police, or a merchant should ask for your PIN. You are the only person who should know it

When traveling it is advisable that you only take one ATM card and memorize the PIN. Protect your ATM card from damage by keeping it in a safe place - don’t allow it to bend or be scratched.

Memorize your Personal Identification Number (PIN) - if you must write down your PIN, do not keep it in your wallet, purse, or on the card itself.

In case you lose your card - be sure to know the emergency phone numbers of your card issuer

Make sure that anyone waiting to use the ATM after you cannot see you entering your PIN or transaction amount.

Cancel your transaction and leave immediately if you see anything suspicious. Confirm, as soon as possible, with your card company that the transaction was cancelled.

If you are using an indoor ATM that requires your card to open the door, avoid letting anyone come in with you that you do not know.

Lock the car doors and roll up the other windows when you use a drive-through ATM.

Do not leave your receipt behind - take it with you. Compare your ATM receipts to your monthly statement. It is the best way to guard against fraud and it makes record-keeping easier for you.

If you lose your credit card or your ATM card, contact the company that issued your card immediately.

"Happy Swiping :-)"

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